Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

The Acquirer Doesn’t Realize That “Size Matters”* and the Seller Advertises A Professional Designation That Does Not Exist

Noted author and structured settlement factoring promoter Patrick Hindert has announced that The Snyders are selling their structured settlement general agency, Delta Group to Upchurch Financial Services and showered them with platitudes. I hate to rain on "the lovefest" but somehow he missed this…

In honor of the event and in a massive "F.U." to regulators, Delta Group (The Snyders) has re-posted the misleading FAQ page which holds out many of Delta Group’s people as being "Registered Settlement Advisors", a "professional designation" that does not appear to exist.

Download delta_group_customer_faqregistered_settlement_advisor_designation_representation_2272008.pdf

Dave Snyder was one of the first people I met with in the structured settlement business and someone I once highly respected for his wisdom. Considering who our industry serves, Delta Group’s misleading advertising of a non existent "professional designation" to induce business is a needless black mark on The Snyders otherwise respectable career in this industry. What false sense of pride is preventing Dave Snyder from doing the right thing?

* See previous post re: Upchurch Financial Services and its "468(b)" expertise. Click link in right column.

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